Follow Up Production Team

Latonya Williams

*** * ***** **

Streator, IL. **364

Cell: 773-***-****

Email:

************@*****.***

EXPERIENCE

Allied First Bank

Union Position: Closer/Funder December 2015- Present Duties: Responsible for setting up internal closing controls and the closing schedule. Reviewing files prior to closing for accuracy, completeness, and contingencies. Work up loan files for closing figures and contact the customer no later than

(5) days prior to closing. Prepare and type closing documents. Review title binder and closing documents for accuracy. Send HUD binders to obtain appropriate insurance and ensure that insurance is obtained within 30 days of closing. Deposit checks on a daily basis. Disburse refund checks after closing and complete disbursement log. Prepare closing documents for recording. Ship loan files to the corporate office as directed by supervisor. Follow up on post-closing documentation for closed loan per supervisor's instructions. Operate office equipment (i.e., telephone, typewriter, calculator, computer, copier and fax machine). Manage closing pipeline by assisting the mortgage production team in scheduling loan closings and order preliminary closing packages. Contribute towards team and departmental goals. Complete all required BSA and OFAC training. Report all suspicious activity to Security. Review of title policy and loan closing documents. Comply with Regulations B, C, X and Z regarding the completion of required disclosures including, but not limited to Sections 32 and 35 and RESPA. Also included are compliance with FACTA and FDPA (Flood). Kinecta Federal Credit

Union Position: Doc Drawer/

Closer

September 2015- October 2015

Duties: Responsible for setting up internal closing controls and the closing schedule. Reviewing files prior to closing for accuracy, completeness, and contingencies. Work up loan files for closing figures and contact the customer no later than

(5) days prior to closing. Prepare and type closing documents. Review title binder and closing documents for accuracy. Send HUD binders to obtain appropriate insurance and ensure that insurance is obtained within 30 days of closing. Deposit checks on a daily basis. Disburse refund checks after closing and complete disbursement log. Prepare closing documents for recording. Ship loan files to the corporate office as directed by supervisor. Follow up on post-closing documentation for closed loan per supervisor's instructions. Operate office equipment (i.e., telephone, typewriter, calculator, computer, copier and fax machine). Manage closing pipeline by assisting the mortgage production team in scheduling loan closings and order preliminary closing packages. Contribute towards team and departmental goals. Complete all required BSA and OFAC training. Report all suspicious activity to Security. Review of title policy and loan closing documents. Comply with Regulations B, C, X and Z regarding the completion of required disclosures including, but not limited to Sections 32 and 35 and RESPA. Also included are compliance with FACTA and FDPA (Flood). Kinecta Federal Credit Union March 2013 – September 2015 Position: Loan Setup Specialist/ Loan Processor/ Pre-Document Auditor/ Change of Circumstance Duties: Responsible for processing loan applications in compliance with bank policies, meeting investor guidelines and demonstrating lending strategies. Meeting with potential customers to assess their needs, collect data, verify documents and ensure the completion of applications. Working closely with loan officers, loan document specialists may also obtain credit information, coordinate closings, calculate closing costs and disperse funds. Monitoring loan processes, reviewing reports, assisting clients with payments and complying with state and federal regulations. Ordering and Processing FHA Case Number Assignments, HOC Folders, etc. (Setup/Processing) Pre-Documented Auditor of all mortgage loan files for rate or HUD related discrepancies before file is sent to closing team. Reviewed and re-disclosed all pricing or product-related changes to the borrower to ensure compliance standards are met (Pre-Document Auditor/Change of Circumstance) HKA Staffing June 2012 – March 2013

Position: Loan Processor/ Loan Setup

Duties: Job Placement- Kinecta Federal Credit Union- Responsible for processing loan applications in compliance with bank policies, meeting investor guidelines and demonstrating lending strategies. Meeting with potential customers to assess their needs, collect data, verify documents and ensure the completion of applications. Working closely with loan officers, loan document specialists may also obtain credit information, coordinate closings, calculate closing costs and disperse funds. Monitoring loan processes, reviewing reports, assisting clients with payments and complying with state and federal regulations. Ordering and Processing FHA Case Number Assignments, HOC Folders, etc. HLMC Mortgage Inc. July 2008 – February 2012

Position: Senior Loan Processor

Duties: Processing FHA and Conventional Loans, Filing, Audit preparation, etc. Responsible for preparing and packaging loans from beginning of application to closing by working closely with the underwriters at multiple correspondent lenders and loan officers through the entire process, including verification of all documentation submitted. Receive mortgage applications from Loan Officer and review all imputed information in Calyx Point to verify accuracy of the data to properly send initial and final disclosures to the applicant, order flood certifications and fraud guard reports. Pipeline management of over 50 Loan Originators. Review files submitted to verify that all the required documentation needed has been supplied to submit the file to obtain an AUS approval and submit to Underwriting Dept. LTL Financial Services February 2008 – September 2008 Position: Receptionist / Loan Processor

Duties: Processing FHA and Conventional Loans. Receive mortgage applications from Loan Officer and review all imputed information in Calyx Point to verify accuracy of the data to properly send initial and final disclosures to the applicant, order flood certifications and fraud guard reports. Review files submitted to verify that all the required documentation needed has been supplied to submit the file to obtain an AUS approval and submit to Underwriting Dept. Upon receipt of file from underwriter whether suspended or approved, work closely with Loan Officer to obtain and review all documentation received by applicants requested by the underwriter. Verify with third parties such as employers, banking institutions, credit bureaus and any other sources to make sure all information provided is accurate. Prepare all documentation for the submission of final credit clearance to the underwriter Worldwide Mortgage and Finance December 2006 – July 2007 Position: Loan Processor

Duties: Processing Conventional Loans, Manage Loan Originators, Manage pipelines, Collecting Money, Bank Drops, etc. Responsible for preparing and packaging loans from beginning of application to closing by working closely with the underwriters at multiple correspondent lenders and loan officers through the entire process, including verification of all documentation submitted.

Smartway Mortgage Inc. August 2003 – December 2006 Position: Loan Processor

Duties: Analyzing credit reports, office duties, Processing Conventional and Subprime Loans, preparing closing documents, etc. Responsible for preparing and packaging loans from beginning of application to closing by working closely with the underwriters at multiple correspondent lenders and loan officers through the entire process, including verification of all documentation submitted.

EDUCATION

Kaplan University

Graduated: December 2014

Major: Bachelors of Arts Human Services Management Hillcrest High School – Country Club Hills, IL.

Graduated: June 1998

Major: General Education

Jackson Hewitt Tax School – Markham, IL.

Graduated: December 1998

Major: Tax Preparation

South Suburban College – South Holland, IL.

Graduated: August 1999

Major: Real Estate

Pharmacy Trainer Schools – Matteson, IL.

Graduated: February 2008

Major: Pharmacy Technician

Skills:

Filling

Communication

10 key Data entry

Highly Organized

Client Relations

MS Excel

RESPA guidelines

Fannie Mae guidelines

MS Words

MS PowerPoint

Bookkeeping

Office Machines

Calyx

Byte

Encompass

MS Office suite

FHA Connection

DU / LP

Doc Magic

Qualified Mortgage

TRID

Accomplishments:

July 2015- Loan Setup Award for top producer

August 2015- Loan Setup Award for top producer

April 2015- Loan Setup Award for top producer

August 2014- Loan Setup Award for top producer

March 2013- Loan Setup Award for top producer

Alpha Kappa Beta Honor Society

Golden Key Honor Society

NCS Honor Society

References:

Available upon request

Contact this candidate